The following questions and answers are provided in an effort to improve

The following questions and answers are provided in an effort to improve communication and promote a better understanding about the role of the ACC. It is intended to benefit resident, non-resident and prospective Tellico Village owners. For more about the ACC and its role in the POA, call 865-458-5408 (ext. 4117) or visit us on-line at www.tellicovillage.org. INTRODUCTION Q: What is the purpose of the Architectural Control Committee (ACC)? A: To give its best efforts toward maintaining and enhancing property values in the Village through control of building construction and maintenance of properties, in accordance with the Declaration of Covenants and Restrictions (C&Rs), Tellico Village, Tennessee. The ACC also processes all applications for construction, and enforces the C&Rs, Standards, Rules and Regulations created there under. (Certain Common Properties, such as streets, roads and utilities, are under the jurisdiction of the Public Works department or other Tellico Village committees). Questions concerning permit requirements, fees, meeting times, etc. should be directed to the ACC Permit Division at 865-458-5408 (extension 4117). This department is located in the main POA Office Building at 112 Chota Center, Loudon, TN 37774. Questions or concerns about rule violations or projects under construction should be addressed to the ACC Enforcement Division at 865-458-4522. This department is located in The Public Works Office Building at 9824 Davis Ferry Road, Loudon, TN 37774. Q: Where can one find more information about the C&Rs, the ACC, and the Property Owners Association (POA)? A: Property Owners should request a copy of the latest edition of the Blue Book that explains a great deal about living in Tellico Village as well as basic requirements for obtaining permits for various construction projects. Property Owners should also acquire a copy of the Covenants and Restrictions (C&Rs), a registered legal document, which is the technical legal code for all property owners! (The C&Rs will remain valid until 2011, and will then renew as currently written, if no amendments are approved by 2008.) Q: Is the ACC one of the Advisory Committees? A: It is a committee appointed by the POA Board of Directors. However, this is a decision-making committee established by the C&Rs, operating under the POA umbrella as a standing committee. Advising the POA Board about ACC related issues is among the many areas of responsibility of the ACC. Q: How is the ACC structured and how does it operate? A: It is comprised of up to seven (7) committee members, all of which serve as volunteers and are appointed by the POA Board of Directors. Members serve for a term of 3 years with staggered terms to provide continuity. In addition to the committee members, a staff of POA employees is dedicated to the day-to-day ACC business and maintains a close working relationship with the Committee. 1

Q: Are all of the rules and regulations for building construction contained in the C&Rs? A: No, the C&Rs are general in nature and provide for the ACC to establish more specific rules & regulations. Over the years, the ACC has developed the Blue Book for residential construction and the Red Book for public/commercial buildings. These books contain many, but not all, of the working rules for building construction and are available at the POA Office as well as the POA Web site. Q: What sort of rules do these books contain? A: The rules and regulations fall into three broad categories: Those pertaining to general building and construction rules, standards and regulations, the permitting process and final review to grant permission to occupy (the final review will determine if the Performance Bond/Letter of Credit may be released). Those pertaining to day-to-day construction site activities. Those related to behavior of people living, working or visiting in the Village. Q: When does a Property Owner need to get a Permit? A: A permit is required when the exterior appearance of a lot is to be changed in any manner, such as new construction, remodeling or adding to an existing structure. Q: Owners may understand that a permit is required before building a new home on their lot, but what about something like adding a deck or painting the house? A: Permits are required for additions, painting a house, and other actions that will change the exterior appearance. Such items as landscaping structures, fencing, retaining walls, outbuildings, propane tanks (both above ground and buried), exterior painting or siding changes, additions/remodels, boat docks & sea walls, swimming pools, etc., must also have a permit. Even mowing or bush hogging a vacant lot requires a permit. Q: How does the ACC prepare for and operate its meetings? Are meetings closed? A: The ACC meets twice monthly, normally on the first and third Thursdays (9 am) in the main conference room of the POA Office Building. These are open meetings attended by Property Owners, Contractors and other interested parties. The ACC staff must receive completed Applications for Permits at least 10 days prior to the meeting (Note: Commercial Applications require submission a minimum of sixty days before the meeting). ACC members review their assigned applications and visit the job site prior to the meeting. After discussions between committee members, applicants, contractors, and other interested parties, a majority vote of members at the meeting determines the approval, rejection or tabling for further review of the application. Q: Do the adjoining/neighborhood property owners get any type of notification that an application has been submitted? A: Soon after the ACC Staff receives the permit application, a pending job sign will be placed on the site, identifying it as a location for which a request has been submitted for exterior work. When time permits, a notice will be placed in the paper boxes of homeowners in the immediate vicinity of the proposed work. This type of notification is done as a courtesy only, so please be alert to any Permit Pending signs that are placed on lots in your neighborhood. Interested property owners may view the application at the ACC office and are invited to attend the ACC meeting to express their concerns, if any. The committee will hear their comments before making a motion for approval/rejection. You should remember that the issue of maintaining a view across property not owned by you is not a valid reason for objection. All decisions of the ACC could be appealed to the POA Board of Directors (if the appeal is deemed to have merit) by following a set procedure (this procedure is located in the Blue Book). Because time limitations exist, you must contact the General Manager s Office at the POA immediately if you have occasion to file an appeal. 2

NEW CONSTRUCTION Q: Who is responsible for obtaining an ACC Review Permit and the Building Permit? The owner or the contractor? A: The property owner bears the ultimate responsibility for obtaining any and all permits as well as making sure the project meets all of the requirements of Tellico Village and the authority having code jurisdiction. This includes following up with the ACC Enforcement Division as to the status of correcting rule violations. Contractors are employees of the property owner and are responsible to the individual owners for adherence to the rules. Property owners and contractors should work together with the Permit Division staff during the process of obtaining the building permit. This will enable the property owner and contractor to obtain much needed first-hand knowledge of the rules and expectations, and is therefore more likely to head off problems related to rule violations as the project undergoes completion. It should be noted that many complaints or issues heard by the ACC are the result of unclear or incomplete agreements between homeowners and contractors. Q: What about owners who are not knowledgeable about construction or the other details involved in getting a building permit? A: The ACC Permit Office will provide assistance and helpful information to property owners. Property owners considering a building project should contact the ACC Permit Office early in the planning stage in order to help avoid unpleasant surprises when applications are submitted for committee review. The importance of choosing a licensed, insured and experienced contractor cannot be over-stressed! Code compliance questions should be addressed to the authority having code jurisdiction. Q: Is there a minimum size requirement for Tellico Village homes? A: Yes, twelve hundred square feet of heated living space, plus an enclosed two-car garage. Some recorded plats may have a higher minimum square footage requirement so you should check the recorded plat at the courthouse of the county in which you are building. ACC members review each application on an individual basis, looking closely to determine if the foundation (footprint) and house design are generally in harmony with surrounding structures and terrain before voting on the application. Q: What about colors? Are there restrictions against certain colors? A: The overall emphasis, as described in the Blue Book, has always been in favor of neutral and/or soft tones. Extremes such as bright colors, dark colors (including black) and metallic colors will not be considered. Exterior components such as front door and shutters may be a brighter color if such color(s) complement the exterior colors. No bright, shiny or reflective roofs (whether metallic or other material) are permitted. As the community grows and committee members change, so do the interpretations of what is an acceptable color. Color chips and samples are required when submitting an application package. Q: Do you get inquiries or complaints about some colors, after installation, which were approved by the ACC? A: Sometimes. As mentioned earlier, design trends and committee members change. What looks good to some may not look good to others. Q: Are ACC Review Permits ever denied? A: Yes. Most rejections are due to incomplete information, non-compliance with established guidelines, or for non-conformity with the neighborhood. Property owners and contractors are strongly encouraged to attend the ACC meeting to answer committee questions and possibly make alternate decisions if a portion of the application is unacceptable. Q: Can a homeowner make changes to their home during construction? A: Yes, as long as a written Permit Change Request (to be done before the work is started) has been submitted to and approved by the ACC, and if required, by the code inspection agency. Some changes will require new signs to be posted and additional review at an ACC meeting, meaning the submittal deadline is 3

twelve (12) days prior to the meeting date. A non-refundable processing fee may be charged for the request. Note: unauthorized changes may result in costly re-do s or payment of POA cost recovery charges! Q: Are there typical building code inspections performed during construction? A: Effective January 1, 2006, Loudon County began building code inspections for projects in the Loudon portion of Tellico Village. The cost of the building permit for Loudon County is in addition to the fee charged by the POA for the Review Permit. The POA is also working with officials in Monroe County to determine if building code inspections can be established for the Kahite portion of Tellico Village. Again, the building permit fee required for the inspections will be in addition to the POA Review fees. The ACC does not perform building code inspections and does not advise property owners about code compliance issues. The ACC Enforcement Division does conduct regular, but random, construction site inspections to ensure that the site is in compliance with other POA requirements. Property owners may obtain independent inspections for added assurance that the home complies with the building code. Q: How much control does the ACC have over building contractors? A: The ACC has limited control over contractors, due to the fact that the POA has no binding legal responsibility to them, or for them. The ACC regularly and successfully communicates directly with the building contractors. But it should also be recognized that the property owner hires the builder, and it is the property owner who has the ultimate responsibility for a contractor s actions/behavior. Q: What areas of the job site does the ACC monitor? A: There is actually quite a long list but the most common inspections include: Port-a-john installation Trash containers (dumpster or other types of approved containers) Streets in front of the site (gravel, mud, dirt must be cleaned off) Excessive Noise (music, language, etc.) Silt fence properly installed and maintained Drainage onto streets or adjoining lots Q: Are there any regulations as to the time of day or days when contractors can or cannot work? A: For a more complete answer to this question, reference the Blue Book, Section C, Part One, Item i. Oftentimes weather dictates the outdoor activities. Two examples: 1. Roofers working in cooler hours of the day. 2. Concrete finishers working until the pour has properly cured. Q: What is the required completion time for new home construction? A: There are three targeted time-lines for completing the home. Of course circumstances are occasionally encountered that may cause these dates to be extended. Construction must begin within forty-five (45) calendar days of ACC meeting at which the permit was tentatively approved. The interior and exterior must be completed within 12 months (unless there are extenuating circumstances that have been duly noted and approved by the ACC). Finally, finished grading and basic ground cover, which normally consists of straw and seeding or mulch, should be completed as soon as possible after the drywall has been delivered. (Note: the performance bond/letter of credit will be held by the ACC until ground cover has been established). Q: At completion, is there a requirement for an occupancy permit? A: The ACC must conduct a final review of the project before occupancy. In addition, for the Loudon County portion of Tellico Village where county building code inspections are being conducted on your project, you must also contact the county inspector for a final code compliance inspection and occupancy permit. For the ACC final review, the property owner/contractor must prepare and submit, at least ten (10) days prior to the requested inspection date, the Final Inspection Request, and Tellico Village Certificate Of Compliance (Kahite only) forms included with your original application package. Other required paperwork includes the Original As-Built survey, a copy of the termite letter, and engineer s letters for any retaining walls (or decks - Kahite only). In addition, the local county may have submission requirements that you must meet. Once the inspection has been completed and approved by the ACC (and the county code inspector), the property owner may move in. 4

GENERAL ACC INFORMATION Q: Who is responsible for correcting violations that occur during the construction project? A: The property owner is responsible. Q: Who is responsible for any monetary cost recovery associated with the violations? A: Cost recovery charges are the responsibility of the property owner. The property owner may pursue collection of these charges from his contractor, if it is felt that the contractor was the cause of the charges being incurred. Q: How is the amount of a cost recovery charge determined? A: It is based on the cost incurred by the POA to bring about the cure for the violation. Q: When trees on an adjoining property appear dangerous, how is this handled? A: We recommend that the property owner contact the other property owner about the situation. You should also consult with your insurance company and/or seek qualified legal advice if you have a problem such as this. Q: Are you allowed to cut trees on your own property before obtaining a permit? A: Prior to obtaining a building permit, you must obtain a Minor Lot-Clearing Permit. This is a no-charge permit and allows you to do very LIMITED clearing. Q: What about visible trash cans at occupied homes? A: Containers shall be put away, out of sight, until the day before pick up and returned to storage no later than the day after collection. Q: What authority does the ACC have regarding unkempt lawns and abandoned equipment left in yards? A: If the area is an eyesore and is not being kept up, the ACC Enforcement Division can notify the owner of the concern. If no action is taken, the POA may take the steps permitted in the C&Rs to correct the situation. Q: What is the policy regarding mailboxes? A: Mailboxes are supplied and installed by the Public Works department of the POA, after final inspection. Other than seasonal decorations, no change in color or style is permitted, except that the color of a mailbox and post may match the exterior primary siding color of the house (NOT the trim color). Q: What about animals in the village? A: No animals, livestock or poultry of any kind shall be raised, bred or kept on any lot or parcel of land of the project. The exceptions to this rule are that dogs, cats or other household pets, which are not considered inherently frightening to the general public, may be kept, providing that they are not kept, bred or maintained for any commercial purposes. Q: Who is responsible for Common Property? A: The POA is responsible for overseeing the Common Property. If adjoining property owners want to modify Common Property, they must have an agreement among themselves and also must have written permission from the Public Works Department. Q: What about RV, golf cart, boat and trailer parking? A: For a simple question, the answer is actually quite involved. RVs may be parked at your residence only for cleaning, loading or unloading purposes (7 days maximum in 30-day period). Renters of a home for less than a 3-month period may not park such a vehicle at the residence at all. There can be no overnight/long term parking of these vehicles on any street or other common properties. Commercial and/or construction vehicles may not be parked at a residence, other than for the purpose of accommodating work on the premises. 5

FORWARD THINKING Q: What ideas have been discussed by the ACC and POA Board of Directors on ways to enhance the ACC s contribution to the Village and all property owners? A: There have been many new ideas and topics that have been discussed, with several implemented over the years. While the ACC and POA Board of Directors will continue to plan and develop other improvements, four specific areas have recently gained favorable attention. 1. Communications Improve communications to our property owners about the responsibilities of the ACC and the policies and practices that guide our operations. Among the areas identified include the use of TV-Channel 3, the Village Connection, and updates on the POA web site. 2. Property Owner/Contractor compliance The Blue (Residential) and Red (Commercial) Books have become more detailed in listing the requirements associated with building or remodeling a structure in Tellico Village. Specific questions or concerns about rule violations should be addressed to the ACC Enforcement Division at 458-4522. 3. Mediation Committee The POA Board of Directors has appointed a Mediation Committee to assist in resolving property owner conflicts/issues that occasionally arise in residential communities. For more information on this Committee, please contact the POA Office 865-458-5408. 4. Review of similar private communities The POA regularly reviews the policies and standards that other communities have adopted and give consideration to those ideas that will help our community become both stronger and a more enjoyable place to live. 6